Ah no he doesn't, here are the steps from his website. Baby Step 1: Save $1,000 for your starter emergency fund. Baby Step 2: Pay off all debt (except the hou

Ah no he doesn't, here are the steps from his website. Baby Step 1: Save $1,000 for your starter emergency fund. Baby Step 2: Pay off all debt (except the house) using the debt snowball. Baby Step 3: Save 3–6 months of expenses in a fully funded emergency fund. When you’re working through the first three steps, you simply do them in order. However, people often have questions about Baby Steps 4 through 6. Here’s a quick definition of them: Baby Step 4: Invest 15% of your household income in retirement. Baby Step 5: Save for your children’s college fund. Baby Step 6: Pay off your home early.